Thinking of making the switch? Let us help you find the best quote available

Ed Cuellar Insurance Agency offers strong and flexible auto insurance options for San Antonio residents at great rates. We understand that there are various things to consider when purchasing your car insurance, so you want a plan that best suits your needs.

The purpose of auto insurance is to provide liability coverage for property damage, bodily injury, collision, comprehensive, medical expenses, rental car reimbursement and towing. Essentially, it is designed to protect you against financial loss in the case of an automobile accident.

We continuously work to provide the individual coverage you require when it comes to protecting your car. We offer a thorough plan that covers you and your passengers, your automobile, as well as any legal liability if you are the responsible party in the event of an accident.

Automobile Insurance In San Antonio

State law in Texas requires all drivers to carry a form of car insurance that will provide liability coverage at a minimum. San Antonio drivers must pay for the damages and injuries from accidents they cause, so a good starting point when seeking automobile insurance is to get Auto Liability.

This type of insurance will pay to repair or replace the vehicle of the other driver involved in the collision, as well as paying for their medical expenses. An important factor to take into account when purchasing coverage is the requirement to meet the following policy limits:

$25,000 for property damage

$30,000 for each injured person

$60,000 for injuries per incident

At Ed Cuellar, we offer policies to ensure you are able to meet state law requirements surrounding San Antonio car insurance. While these limits are the basic requirement, it may not cost you much more per month to increase those limits and give you added peace of mind in case you are sued by a lawyer for an accident for which you were at fault.

Get The Coverage You Need

While Texas law only requires you to have liability insurance, it is wise to invest in additional types of car insurance coverage in order to help protect yourself financially. In San Antonio, you need to be able to pay for any injuries and damages from an accident you cause, but what about your own vehicle and medical bills?

Collision coverage: If your vehicle is damaged due to an accident in which you were at fault, in which you hit a fixed object, or overturn your ride, then this coverage will help cover the damages incurred.

Other than Collision insurance: This type of coverage will help with damages caused to your car in incidents that did not involve another car. This can include damage caused by something out of your control, such as hail denting your car or vandalism.

Uninsured/underinsured drivers: According to the Texas Department of Motor Vehicles, roughly 20% of drivers in Texas are uninsured. If you were to be involved in an accident caused by these drivers, then this type of coverage can protect you from damages.

We offer a wide range of auto insurance coverage that will help you meet your needs. Take a look at our brief guide for more information on the different coverage we provide.

Your home is perhaps your largest financial investment. Let us help you find the best policy!

Homeowners Insurance

You know what they say – there’s no place like home. Your home is one of your most important investments, so it’s important that it is properly covered against any damage, natural disasters, and theft from burglary. Additionally, most mortgage holders will require you to have homeowners’ insurance coverage if you want to buy a home.

A home insurance policy will serve to protect one of your most valuable assets, giving you the coverage you need, along with the peace of mind you desire. Choose a policy that is just right for your needs by taking personal circumstances into account. Our agency can help you come to the right decision for your needs.

How Does It Protect Me?

Your homeowner’s insurance policy will cover damage to your home and personal property due to a range of causes. This can include threats such as accident, fire, and theft. The right coverage will ensure that your belongings are also replaced at their full value. Ideally, your coverage will also include accidents that may occur on your property, so you are not held liable.

When it comes to purchasing a home insurance policy, there is one important thing to keep in mind. You will want a replacement cost for a home insurance policy, rather than to a cash value policy on your property.

Damage to your home always happens when you least expect it, so you want to be sure that you are covered for any eventuality. While basic homeowners insurance may seem enough for your needs, most property owners don’t realize that they actually require more coverage.

Valuable collections: If you own a valuable collection, then it may be necessary to obtain a separate policy or endorsement. This is because replacement cost coverage on the contents of you home will not always cover the full amount of expensive items, such as valuable collections. Take the time to understand valuable property schedules to ensure you are fully covered.

Jewelry: Just as with valuable collections, some homeowners’ policies limit the loss of particular items. This can include very high priced jewelry items, so discussing endorsements is always a good idea. You may even find that the policy limits or excludes the loss of certain items in the event of theft, even if these would be covered in the case of a fire.

Home business: If you routinely work from home or have a home-based business, then be sure to speak to one of our representatives to ensure you receive the appropriate coverage. Typically, homeowners’ insurance policies only cover a limited amount of equipment or supplies that are related to business. Adding a simple endorsement to your current insurance policy may be the answer.

By not taking certain factors into consideration, homeowners could be putting themselves and their family at greater financial risk than is necessary. Speak to one of our advisors today if you would like to receive more information on the type of coverage that is best suited to your needs.

Protect your Family and their future and get coverage For You & Your Loved Ones. Free Quote Online Today!

Life Insurance

When it comes to protecting your family, it’s essential that you plan ahead. Buying life insurance offers you a way to provide your family with financial security, so you can help them cover a variety of costs and expenses from medical bills to funeral costs, rent or mortgage, and several other living expenses.

Even in your absence, life insurance allows you to continue to meet the needs of your family. This is of particular importance if you are the primary earner in your household. When you buy a life insurance policy, consider coverage that meets you life, needs, and concerns.

Why Do I Need Life Insurance?

It’s easy to see why people often overlook life insurance. Death is not an easy thing to think about, but it’s something that’s important to plan for. You never know what can happen in life. Life insurance is designed to help protect those that you love and their future.

In the event of your untimely death, your family will be dealing with several expenses and financial issues. Without life insurance, where would your family stand? Would they be able to cope with not just your loss, but also the financial impact of your loss? Would they still be able to pay the rent or cover mortgage payments?

These are eventualities that you need to plan for, for the sake of your loved ones. While you can’t put a dollar value on your family, you can help to ensure that their future and financial security remains protected. Getting the satisfaction of knowing that your loved ones will always be protected is worth the expense. And in most cases, it’s not even as much as you think.

Life Insurance You Can Rely On

There are various life insurance policies you can opt for. It’s important to take each coverage type and their benefits into consideration. It’s about finding a policy that will best meet the requirements of you and your family.

The best policy for you will likely depend on your current situation. For example, you may be looking to buy life insurance to protect your business, as well as your family. If you want to ensure that your business keeps running in the event of your death, then life insurance can provide the required help to your partners, employees, and heirs.

You may find that whole life insurance is the best option for you, or you may feel that term life insurance would better suit your needs. Term insurance will provide cover for a set amount of time, which will suit the majority of consumers, but not everyone. Not only will you want to choose the right type of policy, but you should also determine a policy amount. This should keep your financial obligations in mind. We can provide you with the information you need to help you come to the right decision.

Give your family one less thing to worry about in the event of your death, by providing financial security to those who matter most to you. Speak to one of our advisors to find out which life insurance will best suit your needs.

From general liability and personal property, to other types of business coverages!

Commercial Insurance

At Ed Cuellar, we offer a variety of commercial insurance policies to suit your every need. Finding adorable commercial coverage for your business doesn’t have to be difficult or time-consuming process. We can aid you in finding the right way to protect your business.

We can help your business no matter what size it may be, by finding a reasonable quote for your commercial insurance needs. We can also help you adjust with growth, so that if you end up hiring more employees, your policy can be fitted according to your new requirements.

Business Owners Policy (BOP): This type of policy is generally a good place to start if you are looking for commercial insurance for your business. These typically offer general liability insurance, along with buildings and/or business property.

General Liability: This type of insurance will protect your business from another person or business’ claims of bodily injury, damage to property and associated medical costs. This is a foundation policy that covers essential exposures for companies.

Examples of things that could be covered under this policy include things such as bodily injury incurred by a client during work hours, such as if they were to fall over your bag. Since you would be legally liable for the injury, the policy would help you to cover any subsequent claims and related medical expenses.

Professional Liability: This type of coverage will safeguard you in the case that a client is harmed from advice or a service that you have provided, for which you are held legally liable.

Commercial Auto Insurance: If your business uses any type of car, then you may require commercial auto insurance. There are a number of options available to cover different types of vehicles, including commercial cars, vans, and trucks.

Workers Compensation Insurance: This type of insurance is compulsory in many states, so it is something you may need to consider for your business. It provides health benefits to workers that suffer from work-related injuries, so it is important if you have employees to think about.

Getting The Right Commercial Coverage

Do you have the right coverage for your business? If it’s been awhile since you last reviewed your policy, then it may be time to take another look. Having insufficient coverage for your business can be nearly as bad as having no insurance at all. Avoid putting your company at risk by ensuring that all of your insurance needs are being met.

For more information on our commercial insurance coverage, simply get in touch. Our agents will be able to answer any of your questions and lead you in the right direction. We are more than happy to discuss your individual needs, so your business gets the absolute best coverage it needs.

We offer a full range of commercial coverage from several top rated carriers to bring you complete peace of mind. No matter what coverage you may require, we can offer you a solution. Simply speak to us about your needs and we can help you find the right coverage to protect your business.